Most credit unions contacted for this survey plan to adopt an opt-in regime for the deposit guarantee as well, and most are expecting their customers to leave their money in place, take the maximum yield and pass on paying the insurance.As unrated institutions the guarantee fee on credit unions is 150 basis points and thus uneconomic to absorb except in a few cases.For plenty of niche ADIs, large deposits of more than $1 million can comprise a material percentage of their liabilities, though the number of customers with large deposits is small.Deposits from councils, schools, trade unions, RSLs and industry superannuation funds, to cite examples raised by credit union managers in the course of a survey for this article, tend to be hard won customers of local credit unions.The consensus of credit union managers appears to be that while depositors can enjoy the guarantee and pay the insurance fee if that's what the customer wants, indications are that customers will prefer to retain the higher yield.Rob Nicholls, chief executive of Credit Union Australia (and the country's largest) said it would not offer the insurance. He said CUA had only 50 or so depositors with balances of more than $1 million, out of 403,000 customers.Ron Hancock, chief executive of Wide Bay Australia, a building society, said for existing depositors they would charge a fee of 70 basis points in line with the fee for large banks where there was demand, which he expected among self-managed superannuation funds.Some advisory firms that work with financial managers are hearing that some small ADIs will absorb part of the fee for select customers.Tony Scott, principal of Secure Investments FIB said some unrated ADIs were planning to absorb 80 bps so the client only pays 70 bps in line with AA rated banks.Jim Stening, managing director of Fixed Interest Investment Group, said the deposit guarantee may prove favourable to many second and third tier deposit takers, as financial managers carve up deposits into $1 million slices and place them with a wide spread of ADIs.